Kya Hai Moral Hazard?
jurisprudence general advanced definition_doubtMai toh bas 2nd year ka student hu, par moral hazard ki definition textbooks mein lagbhag yahi likhi hoti hai: "Moral hazard hai woh situation jaha pe ek person risk ko shift karta hai aur dusre par lagata hai." Bas yeh kya, aapko kuch clear example chahiye jisse aapko pata chale ki yeh kya hota hai.
Mera papa, jo lawyer hai, use ek baar kuch aise case mei aaya tha. Yeh case tha Rajan vs ICICI Bank (2013). Unhone bank ke khilaf case kiya ki unki car ko damage ho gya tha, par bank ne unhein thoda jyaada money diya. Ab Rajan ne khud se car repair karwa li, par isse pehle unhone bank se permission li nahi thi.
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Arre bhai, Moral Hazard ki baat hai to yeh ek financial concept hai jiska matlab hai ki jab koi aadhaar ya risk free environment banja, toh log apne investment ko risk mein lene ke liye majboor nahin hote. Yeh aaj ke banking system mein bahut jyada dikhaya ja rha hai. So, let's keep learning and stay safe from moral hazards!